Why Insurance Agents May Ask For DEC Pages

When providing you a quote on insurance for your home or auto an agent may ask for a copy of the Declarations Page aka “DEC Page” to make sure they are compairing apples-to-apples against your current coverages. This will allow you to see if your getting a better price for the same type of coverage you currently have. Sometimes agents will provide a lower quote to a consumer that looks good until you dig in and see that you may have got less coverage than before. This can turn in to a real problem down the road should a claim come into play. Always ask for a quote based on the same coverages you currently have. Then you can determine if you want additional coverage or less coverage to arrive at the right coverage for your situation.